Settled cahoot credit card account, defaulted.

mccarthybaby · 13th June 2009, 23:26

Hi everyone. Am just finding my feet on here and trying to read as much as possible.

I have got my credit file autolinker.com autolinking image

and have had a cahoot credit card, which i settled at a reduced rate. There is still a default listed on my credit file even though shows as settled? can i ask them to remove this now?
Also can i still go back and claim any charges that may have been applied? And again what about PPI? would this be an option too if i had this taken out too.

So my first point of call is to do a Subject access request autolinker.com autolinking image

? is this correct - then a CCA?

Sorry if this seems so waffled but really want to get this sorted?

So if i get the CCA and this is an unenforcable agreement what happens as i have already settled this account?

If this makes sense to you then hopefully you will be able to advise next xourse of action for me.

Many thanks

Leah

dx100uk · 14th June 2009, 01:13

well you don't need to do a CCA, if you are going to Subject access request autolinker.com autolinking image

then typically the CCA comes with in, esp if you ASK for it on the Subject access request autolinker.com autolinking image

letter.

now, ofcourse you dont need a cca in this instance as it is settled.
as for the default, sadly it stays there for 6 yrs autolinker.com autolinking image

.

yep, go claim them charges + int and also look on the PPI forum at the guidence thread and see if you can reclaim the PPI,, i bet you can

good luck

keep us informed

dx

13th June 2009, 23:26	#1 (permalink)
mccarthybaby Basic Account Holder Have we helped you? Please help us by making a donation Cagger since : Nov 2008 Posts: 96	Settled cahoot credit card account, defaulted. Hi everyone. Am just finding my feet on here and trying to read as much as possible. I have got my credit file and have had a cahoot credit card, which i settled at a reduced rate. There is still a default listed on my credit file even though shows as settled? can i ask them to remove this now? Also can i still go back and claim any charges that may have been applied? And again what about PPI? would this be an option too if i had this taken out too. So my first point of call is to do a Subject access request? is this correct - then a CCA? Sorry if this seems so waffled but really want to get this sorted? So if i get the CCA and this is an unenforcable agreement what happens as i have already settled this account? If this makes sense to you then hopefully you will be able to advise next xourse of action for me. Many thanks Leah

14th June 2009, 01:13	#2 (permalink)
dx100uk Platinum Account Holder Our auction sniper is now live. Try it for free Cagger since : Dec 2006 Posts: 6,121	Re: Settled cahoot credit card account, defaulted. well you don't need to do a CCA, if you are going to Subject access request then typically the CCA comes with in, esp if you ASK for it on the Subject access request letter. now, ofcourse you dont need a cca in this instance as it is settled. as for the default, sadly it stays there for 6 yrs. yep, go claim them charges + int and also look on the PPI forum at the guidence thread and see if you can reclaim the PPI,, i bet you can good luck keep us informed dx